Unit-linked products
Personalized products
VIPvalor Privatissimo
VIPvalor Crescendo
Savings
Index-linked products
Valorlife Countries Tailord
products 		Insurance
products 		Investment
products 		Life
annuities 		Contact




Description


VIPvalor Crescendo is a uniquely tailored capitalisation policy
linked to an almost infinite number of investment options selected by YOU and managed by the bank and the asset manager of YOUR choice and
financed through planned annual premiums during the insurance period.
Products with recurring premiums are often the best insurance vehicle for tax planning.

Additional characteristics:
portfolio and investment strategy may be changed by you at any time
policy may be combined with life insurance coverage available worldwide. We offer you flexible death benefits, which can be indicated in percentages of the current investment value or in amounts. Without health statement or medical examination we insure life insurance coverage up to 20% of the current investment value (but at maximum of CHF 100'000, EUR 80'000, USD 80'000)
at maturity, life annuity is calculated based on policy value and on current rates and conditions (1-month's notice to receive a capital payment instead)
should death occur before maturity, the net policy value and any additional life coverage will be paid to your designated beneficiaries
you will receive quarterly updates of the composition and value of your portfolio.
 

Valorlife products offer many additional advantages